{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/6.2-1704.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/6.2-1704.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/6.2-1704.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/6.2-1704.html"}],"law_id":63021,"edition_id":1,"section_id":63021,"structure_id":14519,"section_number":"6.2-1704","catch_line":"Mortgage loan originator background checks","history":"2009, cc. 273, 453, \u00a7 6.1-431.5; 2010, c. 794.","full_text":"A\n\nIn connection with an application for licensing as a mortgage loan originator, the applicant shall furnish to the Registry information concerning the applicant’s identity, including fingerprints for submission to the Federal Bureau of Investigation or any federal or state governmental agency or entity authorized to receive such information for a state, national, and international criminal history background check, as prescribed by the Commission.B\n\nThe applicant shall also submit personal history and experience in a form prescribed by the Registry, including submission of authorization for the Registry and the Commission to obtain (i) an independent credit report from a consumer reporting agency described in § 603(p) of the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.), and (ii) information related to any administrative, civil, or criminal findings by any governmental jurisdiction.C\n\nFor the purposes of this section and in order to reduce the points of contact that the Federal Bureau of Investigation may be required to maintain, the Commission may use the Registry as a channeling agent for requesting information from, and distributing information to, the Department of Justice, other governmental agency, or any other source.","order_by":null,"text":{"0":{"id":229852,"text":"In connection with an application for licensing as a mortgage loan originator, the applicant shall furnish to the Registry information concerning the applicant’s identity, including fingerprints for submission to the Federal Bureau of Investigation or any federal or state governmental agency or entity authorized to receive such information for a state, national, and international criminal history background check, as prescribed by the Commission.","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"B"},"1":{"id":229853,"text":"The applicant shall also submit personal history and experience in a form prescribed by the Registry, including submission of authorization for the Registry and the Commission to obtain (i) an independent credit report from a consumer reporting agency described in § 603(p) of the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.), and (ii) information related to any administrative, civil, or criminal findings by any governmental jurisdiction.","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A","next_prefix":"C"},"2":{"id":229854,"text":"For the purposes of this section and in order to reduce the points of contact that the Federal Bureau of Investigation may be required to maintain, the Commission may use the Registry as a channeling agent for requesting information from, and distributing information to, the Department of Justice, other governmental agency, or any other source.","type":"section","prefixes":["C"],"prefix":"C","entire_prefix":"C","prefix_anchor":"C","level":1,"prior_prefix":"B"}},"ancestry":[{"id":14519,"edition_id":1,"name":"Mortgage Loan Originators","identifier":"17","label":"chapter","depth":3,"order_by":1,"parent_id":13060,"metadata":{},"date_created":"2026-06-26 03:48:29","date_modified":"2026-06-26 03:48:29","permalink":{"id":266129,"object_type":"structure","relational_id":14519,"identifier":"17","token":"6.2\/III\/17","url":"\/6.2\/III\/17\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13060,"edition_id":1,"name":"Other Regulated Providers of Financial Services","identifier":"III","label":"subtitle","depth":2,"order_by":1,"parent_id":12852,"metadata":{},"date_created":"2026-06-26 03:44:12","date_modified":"2026-06-26 03:44:12","permalink":{"id":265721,"object_type":"structure","relational_id":13060,"identifier":"III","token":"6.2\/III","url":"\/6.2\/III\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12852,"edition_id":1,"name":"Financial Institutions and Services","identifier":"6.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:56","date_modified":"2026-06-26 03:43:56","permalink":{"id":263249,"object_type":"structure","relational_id":12852,"identifier":"6.2","token":"6.2","url":"\/6.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":70948,"structure_id":14519,"section_number":"6.2-1700","catch_line":"Definitions","url":"\/6.2-1700\/","token":"6.2\/III\/17\/6.2-1700","metadata":false},{"id":68765,"structure_id":14519,"section_number":"6.2-1701","catch_line":"License requirement","url":"\/6.2-1701\/","token":"6.2\/III\/17\/6.2-1701","metadata":false},{"id":85304,"structure_id":14519,"section_number":"6.2-1701.1","catch_line":"Bona fide nonprofit organizations","url":"\/6.2-1701.1\/","token":"6.2\/III\/17\/6.2-1701.1","metadata":false},{"id":55948,"structure_id":14519,"section_number":"6.2-1701.2","catch_line":"Repealed","url":"\/6.2-1701.2\/","token":"6.2\/III\/17\/6.2-1701.2","metadata":false},{"id":74984,"structure_id":14519,"section_number":"6.2-1701.3","catch_line":"Temporary authority to act as a mortgage loan originator","url":"\/6.2-1701.3\/","token":"6.2\/III\/17\/6.2-1701.3","metadata":false},{"id":74815,"structure_id":14519,"section_number":"6.2-1702","catch_line":"Application for license; form; content; fee","url":"\/6.2-1702\/","token":"6.2\/III\/17\/6.2-1702","metadata":false},{"id":60886,"structure_id":14519,"section_number":"6.2-1703","catch_line":"Bond required","url":"\/6.2-1703\/","token":"6.2\/III\/17\/6.2-1703","metadata":false},{"id":63021,"structure_id":14519,"section_number":"6.2-1704","catch_line":"Mortgage loan originator background checks","url":"\/6.2-1704\/","token":"6.2\/III\/17\/6.2-1704","metadata":false},{"id":80126,"structure_id":14519,"section_number":"6.2-1705","catch_line":"Coordination of 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penalties","url":"\/6.2-1719\/","token":"6.2\/III\/17\/6.2-1719","metadata":false},{"id":76095,"structure_id":14519,"section_number":"6.2-1720","catch_line":"Regulations; agreements between Commission and Registry","url":"\/6.2-1720\/","token":"6.2\/III\/17\/6.2-1720","metadata":false},{"id":85681,"structure_id":14519,"section_number":"6.2-1721","catch_line":"Cease and desist orders","url":"\/6.2-1721\/","token":"6.2\/III\/17\/6.2-1721","metadata":false}],"previous_section":{"id":60886,"structure_id":14519,"section_number":"6.2-1703","catch_line":"Bond required","url":"\/6.2-1703\/","token":"6.2\/III\/17\/6.2-1703","metadata":false},"next_section":{"id":80126,"structure_id":14519,"section_number":"6.2-1705","catch_line":"Coordination of licensing","url":"\/6.2-1705\/","token":"6.2\/III\/17\/6.2-1705","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/6.2-1704\/","history_text":"

This law was first created in 2009. The record of its establishment is cataloged in chapters 273<\/a> and 453<\/a> of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. It has been modified 1 time. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. That modification is as follows: in 2010, chapter 794<\/a>.<\/p>","references":false,"refers_to":false,"permalink":{"id":266159,"object_type":"law","relational_id":63021,"identifier":"6.2-1704","token":"6.2\/III\/17\/6.2-1704","url":"\/6.2-1704\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/6.2-1704\/","token":"6.2\/III\/17\/6.2-1704","dublin_core":{"Title":"Mortgage loan originator background checks","Type":"Text","Format":"text\/html","Identifier":"\u00a7 6.2-1704","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> In connection with an application for licensing as a mortgage loan originator<\/span>, the applicant shall furnish to the Registry<\/span> information concerning the applicant’s identity, including fingerprints for submission to the Federal Bureau<\/span> of Investigation or any federal or state governmental agency or entity<\/span> authorized to receive such information for a state, national, and international criminal history background check, as prescribed by the Commission<\/span>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> The applicant shall also submit personal history and experience in a form prescribed by the Registry<\/span>, including submission of authorization for the Registry<\/span> and the Commission<\/span> to obtain (i) an independent credit report from a consumer reporting agency described in § 603(p) of the Fair Credit Reporting Act<\/span> (15 U.S.C. § 1681 et seq.), and (ii) information related to any administrative, civil, or criminal findings<\/span> by any governmental jurisdiction<\/span>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

C.<\/span> For the purposes of this section and in order<\/span> to reduce the points of contact that the Federal Bureau<\/span> of Investigation may be required to maintain, the Commission<\/span> may use the Registry<\/span> as a channeling agent for requesting information from, and distributing information to, the Department of Justice, other governmental agency, or any other source. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nMORTGAGE LOAN ORIGINATOR BACKGROUND CHECKS (\u00a7 6.2-1704)\n\nA. In connection with an application for licensing as a mortgage loan\noriginator, the applicant shall furnish to the Registry information concerning\nthe applicant’s identity, including fingerprints for submission to the\nFederal Bureau of Investigation or any federal or state governmental agency or\nentity authorized to receive such information for a state, national, and\ninternational criminal history background check, as prescribed by the\nCommission.\n\nB. The applicant shall also submit personal history and experience in a form\nprescribed by the Registry, including submission of authorization for the\nRegistry and the Commission to obtain (i) an independent credit report from a\nconsumer reporting agency described in § 603(p) of the Fair Credit\nReporting Act (15 U.S.C. § 1681 et seq.), and (ii) information related to\nany administrative, civil, or criminal findings by any governmental\njurisdiction.\n\nC. For the purposes of this section and in order to reduce the points of contact\nthat the Federal Bureau of Investigation may be required to maintain, the\nCommission may use the Registry as a channeling agent for requesting information\nfrom, and distributing information to, the Department of Justice, other\ngovernmental agency, or any other source.\n\nHISTORY: 2009, cc. 273, 453, \u00a7 6.1-431.5; 2010, c. 794.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}